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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $30,868 |
STIFEL NICOLAUS & CO INC3 years Filed as: STIFEL NICOLAUS Service code 15 · EIN 43-0538770 | Recordkeeping | $22,936 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,718 | $54,245-1.0% | $93,727-42.7% | $77,762-30.9% |
| Participation rate | 32.2% | 63.9%-31.7pp | 68.7%-36.5pp | 70.6%-38.4pp |
| Annual return | 10.70% | 30.58%-19.9pp | 133.83%-123.1pp | 31.27%-20.6pp |
| Employer contribution / active EE | $322 | $1,168-72.4% | $2,421-86.7% | $2,728-88.2% |
| Participant deferral / active EE | $2,615 | $3,144-16.8% | $4,417-40.8% | $4,651-43.8% |
| Admin fee / account holder | $322 | $575-44.0% | $8,292-96.1% | $433-25.6% |